WHAT IS A SECURITY FREEZE ON MY CREDIT FILE?

What is a security freeze on my credit file?  A security freeze on your credit file prevents creditors, employers and insurance companies from obtaining your credit file.  The security freeze protects consumers' privacy and helps to ensure new credit accounts are not opened in their name and without their knowledge.  Identity theft victims may place a security … Continue reading WHAT IS A SECURITY FREEZE ON MY CREDIT FILE?

FAIR CREDIT REPORTING ACT REQUIRES LANDLORDS TO SEND APPLICANTS ADVERSE ACTION DISCLOSURES

 FAIR CREDIT REPORTING ACT REQUIRES LANDLORDS TO SEND APPLICANTS ADVERSE ACTION DISCLOSURES We represent consumers with credit report errors and background report disputes under the Fair Credit Reporting Act.  The Fair Credit Reporting Act (FCRA) requires landlords who take adverse action (i.e., turn down a rental applicant) against a consumer that is “based in whole … Continue reading FAIR CREDIT REPORTING ACT REQUIRES LANDLORDS TO SEND APPLICANTS ADVERSE ACTION DISCLOSURES